Archive for the ‘Credit Cards’ Category

Earth Day 2011-Ten Ways to Go Green and Save Money

With Earth Day 2011 upon us, the recent meteoric rise in gas prices remains a major focus.   Personally, every time I drive by a gas station my anxiety level causes me to hyperventilate and lose consciousness (thankfully my dog Buster knows to seize the wheel in such situations).

In any case, with gas prices what they are these days, has there ever been a better time to live a greener lifestyle and save a little money to boot?  Here are 10 great ways to give your credit cards some rest and rediscover your eco-conscious side at the same time.

Your car is specifically designed to get its best fuel economy at 60MPH.  Resist the urge to ride with the speedsters in the left lane and your piggy bank and gas tank will thank you accordingly.

In today’s digital world, there’s hardly ever a reason to print things anymore.  Try d

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Tags: Day, Earth Day

The Truth About Student Credit Cards

What was it Jack Nicholson said? “You can’t handle the truth!”

No, the truth about student credit cards isn’t all that drastic, I promise! Credit is a fact of life; everyone needs it if they want to get what they need. Yes, that even includes a job. So, having a student credit card is not a bad thing because it is a necessity.

Wrong Reasons for Opening a Student Credit Card

Having said that, students need to be cautious when applying for a credit card for certain reasons. They shouldn’t apply for the one that gives away what they consider the coolest gift. You know those gifts, the hottest new CD or a free t-shirt to add to your closet.

Students should make sure they aren’t applying to credit card companies because they are giving away free stuff in general. Having too

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The Pros & Cons of Using a Credit Card in Emergency Situations

A wise man once told me “life is what happens when you’re busy making other plans.”  Or maybe that’s just a popular saying? In any e

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How the Credit CARD Act Helps You

In an effort to create greater transparency between customers and credit card companies, the Credit Card Accountability, Responsibility and Disclosure Act of 2009 (CARD) introduces consumer-friendly litigation that regulates how banks control credit card fees. Notably, the new law standardizes how a bank can increase interest rates, change introductory offers and delinquent payments.

The CARD Act of 2009 says that credit card lenders no longer have the ability to blindside customers with credit card interest rate increases. Banks can’t increase rates within the first year of the account, and after this grace period, any interest rate increases must include 45 days notice to the card holder about any new changes or fees. A

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The Future of Credit Cards: No More Plastic

There’s a battle raging in America, and it’s not one involving weapons or violence. Rather, the fray is seen in the corporate world, and it’s all about our money.

Now, we’re all used to marketing efforts that encourage us to buy from one company instead of another, but this is a different fight.

This isn’t about where we spend our money, it’s about how we spend it.

Attention around Near Field Communication is growing throughout mainstream media. Even so, many are unaware of its existence and future possibilities.

Simply put, Near Field Communication (NFC) is the ability for two wireless technologies to communicate with one another, typically requiring a proximity of four centimeters or less.

There are dozens of innovative, remarkable uses that could, and eventually will, come from NFC. However, th

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Chrysler Credit Card to Reward Customers with Auto Discounts

Customers of Chrysler Group LLC will be able to apply for an automotive credit card program in May that will allow them to receive a number of auto discounts. The program, which will reward customers based on their loyalty to the brand, is being offered through First National Bank of Omaha and MasterCard.

Auto Discounts Offered to Program Participants

In an effort to regain its customer base after its bankruptcy in 2009, Chrysler’s rewards program offers a number of perks. According to a press release issued by the automaker on Wednesday, individuals who become cardholders could receive the following benefits:

  • Earn points: Cardholders will earn three points for every $1 spent on purchases at participating dealerships, two points for travel-related purchases and one point for all other purchases.
  • Redeem points: After points are earned, they can be redeemed for products and services like cash-off of vehicle purchases, parts and services at dealerships. Also,

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Bank and Credit Card Issuers Warn Customers of Epsilon E-Mail Breach

Banks and credit card issuers are warning customers that millions of e-mail addresses were possibly stolen from an advertising company last week. As a result, customers could receive fraudulent e-mails that attempt to coax their account login information from them.

Major Banks Affected by the Theft

A number of major banks and financial institutions say customers may begin seeing e-mails that try to trick them into providing login information for their bank accounts and credit cards due to a security breach at a Dallas-based e-mail management company called Epsilon.

Some banks that could have been affected by the breach include Barclays Bank, Capital One Financial Corp. U.S. Bancorp and Citigroup Inc. and JPMorgan Chase & Co.

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Keeping Cash on Hand for Emergencies

The earthquake in Japan scared the crap out of me, and I was simply sitting in the comfort of my home nearly 5,000 miles away.

I would find myself up late at night watching video clips on CNN over and over again thinking, “Did this really just happen?” The footage looked like something straight out of an apocalyptic movie. Really scary stuff!

Of course, my thoughts would eventually turn to all the Japanese people whose lives were lost and how prepared I would be to take care of my own family and friends in the face of such devastation. I do live in Seattle, so earthquakes and even tsunamis are real dangers that shouldn’t be ignored. Sadly, I can’t say I’m prepared at all.

So I’m determined this month to buy 72-hour kits that will always be ready to go in the event of an unplanned evacuation from our home. I’d also li

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